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Active

Active·Listed today

342 N 12th Street

Flagler Beach, FL 32136

$1,499,000$792/sqftEst. $7,714/moMLS# 2160241

Beds

Baths

1,892

Sq Ft

1997

Built

—

Garage

Yes

Pool

About this home

Flagler Beach

Nearly an acre on the Intracoastal Waterway -- 0.80 acres across two parcels at 342 N. 12th Street in Flagler Beach, Florida, with two boat lifts, a private pool, and four bays of enclosed garage. At roughly 34,848 square feet, this double-lot waterfront property offers land and privacy that is difficult to replicate anywhere along the Flagler County coast, where most beachside parcels run a fraction of this size. The waterfront package is the draw. A 10,000 lb covered boat lift protects the primary vessel from sun and weather year-round, while a second lift accommodates a skiff, flats boat, or personal watercraft. Approximately 4 feet of water at low tide suits center consoles, bay boats, and flats boats, with the Intracoastal Waterway directly off the dock and the Atlantic Ocean a short walk east on 12th Street. Built in 1992, the residence offers 1,892 square feet with 2 bedrooms, 2 full bathrooms, and a versatile loft that works as a third sleeping space, home office, or bunk

Cost to own

Mortgage calculator

Home Price

$1,499,000

Down Payment: 20%

$299,800

Interest Rate: 6.67%

Loan Term

Monthly Payment

$7,714

Principal & Interest: $7,714

Insurance (est.): $999

Estimated Total Monthly

$8,714

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, Freddie Mac PMMS via FRED). Taxes vary by county; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.67% · 30yr$7,714

Estimated total, before insurance$7,714/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$10,051/yr · $838/mo

• Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
• In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
• Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).

Cost to own

Taxes & assessment

2025 property taxes (current owner): $10,051/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Sources: Florida DOR certified tax roll, NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Metal — year not disclosed (home built 1997)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,804 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

This Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

History

Price & status history

Aug 14, 2026Listed$1,499,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$1,499,000

Price / Sq Ft$792

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage1,892

Acres0.40 acres

Year Built1997

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary

StatusActive

Has PoolYes

Pool FeaturesIn Ground, Heated, Salt Water

Is WaterfrontYes

School Information

ElementaryOld Kings

MiddleBuddy Taylor

HighFlagler Palm Coast

Community Information

Address342 N 12th Street, Flagler Beach, FL 32136

Area605-Flagler County North-Beach

SubdivisionPalma Vista

CityFlagler Beach

CountyFlagler

StateFL

Zip Code32136

Lot Size17,424 sq ft

Parcel Number0112315050000300260

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic, Well

ParkingGarage

ViewCanal, Intracoastal, Water

Waterfront TypeCanal Front, Intracoastal, Navigable Water, Ocean Access, Seawall

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Eat-in Kitchen, Kitchen Island, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Smart Thermostat, Vaulted Ceiling(s), Walk-In Closet(s), Wine Cellar

AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Water Heater, Microwave, Refrigerator, Washer, Wine Cooler

HeatingCentral

CoolingCentral Air

FlooringCarpet, Laminate, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories2

LevelsTwo

LaundryIn Unit